Bethpage Federal Credit Union in Oregon vs the state
50.0%Denial rate+34.69 pts vs state
53.5%Decision denial rate+34.38 pts vs state
42.5%Origination rate-18.17 pts vs state
6.49%Median rate-0.26 pts vs state
-0.67Rate spread (pts)-0.95 pts vs state
$140kMedian applicant income
45Loans originated
53Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 55 | 48.9% | 8.75% | #130 |
| 2024 | 130 | 56 | 40.0% | 6.99% | #139 |
| 2025 | 106 | 45 | 50.0% | 6.49% | #165 |
What Bethpage Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 30 | 13 | 15 | 50.0% |
| Washington County | 14 | 7 | 6 | 42.9% |
| Marion County | 13 | 6 | 6 | 46.2% |
| Clackamas County | 12 | 5 | 6 | 50.0% |
| Deschutes County | 7 | 3 | 4 | 57.1% |
| Yamhill County | 5 | 2 | 3 | 60.0% |
| Jackson County | 3 | 2 | 1 | 33.3% |
| Lane County | 3 | 1 | 2 | 66.7% |
| Clatsop County | 3 | 2 | 1 | 33.3% |
| Douglas County | 2 | 0 | 2 | 100.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 106 applications in 2025, of which 45 were originated and 53 denied.
50.0% of all applications, or 53.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Bethpage Federal Credit Union originated in Oregon in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology